Business Owners & Entrepreneurs
Personal financing strategies that account for corporate ownership, retained earnings, dividends, variable income and broader business interests.
Private Client
Sophisticated financing for complex personal circumstances.
CFM works with business owners, entrepreneurs, real estate investors, self-employed professionals and high-net-worth clients whose financing requirements extend beyond conventional lending.
Financing built around the complete financial picture.
Traditional lending models do not always reflect the financial strength of entrepreneurs, investors and high-net-worth clients. CFM helps clients present complex financial circumstances effectively and evaluate financing structures appropriate to their objectives.
Self-Employed Professionals
Financing solutions for clients whose income or compensation structure may not fit conventional employment-based underwriting.
Real Estate Investors
Financing for clients with multiple properties, investment income, complex ownership structures or significant real estate portfolios.
High-Net-Worth Clients
Financing situations where significant assets, investments or overall net worth form an important part of the credit profile.
Complex Income & Ownership Structures
Solutions for clients with income from corporations, partnerships, investments or multiple sources.
Significant or Non-Standard Financing
Advice for larger, time-sensitive or otherwise complex personal financing requirements that require a broader lender or structuring approach.
Your financial profile is more than a tax return.
Business owners, entrepreneurs and investors often build wealth differently from salaried borrowers. Corporate ownership, retained earnings, investments, real estate, variable compensation and tax planning can create substantial financial strength while making conventional underwriting more complicated.
CFM approaches the financing requirement in the context of the client's broader financial position, helping structure and present the opportunity appropriately to potential lenders.
Complete Financial Picture
Consider income, assets, business ownership, investments, real estate and other relevant financial resources together.
Structuring Experience
Identify financing structures appropriate to complex income, ownership and property situations.
Broader Lender Access
Evaluate conventional, alternative and private lending options where appropriate to the requirement.
Business & Investment Perspective
Understand the connection between personal financing, business ownership, investment strategy and liquidity.
When conventional underwriting does not tell the whole story.
- A business owner retains substantial earnings inside a corporation rather than paying a large salary.
- An entrepreneur has significant net worth but income varies materially from year to year.
- A real estate investor owns multiple properties and conventional debt-service calculations become restrictive.
- A shareholder receives income through a combination of salary, dividends and corporate distributions.
- A client has substantial investments or liquid assets but does not fit a conventional employment profile.
- A significant transaction requires a customized or time-sensitive financing solution.
Personal financing connected to the bigger picture.
For many CFM clients, personal and business finances are interconnected.
A business acquisition may create a personal financing requirement. A commercial real estate investment may affect borrowing capacity. A business sale may materially change liquidity and net worth. A refinancing decision may need to be considered alongside corporate or investment objectives.
Because CFM works across business financing, commercial real estate, capital raising and transactions, Private Client requirements can be considered within the client's broader financial circumstances.
Private clients we are built to support.
- Business Owners
- Entrepreneurs
- Self-Employed Professionals
- Real Estate Investors
- Executives
- High-Net-Worth Clients
A financing resource for complex client situations.
CFM works with accountants, lawyers, wealth advisors and other professionals when clients encounter financing requirements that do not fit neatly within conventional lending parameters.
You do not need to determine the financing solution before making an introduction.
Bring us the situation. We'll help assess the appropriate path.
Have a complex personal financing requirement?
Tell us about your financial circumstances, the requirement and what you are trying to accomplish. We'll help assess the available financing strategies and appropriate path forward.
Confidential inquiries welcome.